A long one, but a few points to consider below - There is no reason to be fearful or to rush. Electroneum and Ripple’s XRP both have room to grow as digital currencies through different avenues.
Ripple has a great remittance plan and a fast hyper ledger which is why many entities (mostly banks) having been testing Ripple’s technology for over 3 years now. The ledger can be used without the incorporation of XRP, although Ripple claims that using XRP will save even more on remittance costs.
It does not mean that should Western Union incorporate the Ripple ledger AND XRP, that Western Union will not include other currencies since their business model depends heavily on transaction fees. Also another question comes to mind, that if the majority of the population will eventually have access to smartphones which will act as a tool for mining currency and enable individuals to transact seamlessly then what is the reason to use Western Union or any intermediary? Additionally, the majority of the unbanked population may not even be in close proximity to a Western Union location. The declining costs of smartphones and increase in adoption in line with a sort of network effect suggests that the unbanked population will probably in large numbers gain access to smartphones eventually. If Western Union does not pivot and their present business model does survive in the long run then it is to their advantage to include as many currencies as possible, including Electroneum.